小微机构以互联网方式接入金融信用信息基础数据库问题探讨——以吉林省为例

为支持小微机构健康、快速发展,中国人民银行长春中心支行按照省级平台一口接入的模式,积极组织小微机构有序开展接入金融信用信息基础数据库工作,但由于小微机构认识程度不够、业务管理不规范、接入费用高等因素,严重影响了接入进度。近期中国人民银行征信中心推出了互联网接入方式,并进行试点运行。以吉林省为例,分析接入模式转换时需要解决的问题,并提出相关政策建议。

Problems and Countermeasures for Micro- Credit Institutions Accessing to Financial Credit Information Database via Internet ~Case of Jilin Province

To support a healthy and rapid development of micro -credit institutions （MCI）, Changchun Central Sub - branch of the People＇ s Bank of China, in line with one -port - access model on the provincial platform, has actively arranged for MCI orderly access to the financial credit information database （FCID）. But, the following causes seriously affect the access schedule ： MCI＇ s understanding of the importance is not enough ; MCI＇ s business management is not standardized ; access charges are too high for MCI. Recently, Credit Reference Center of the People＇ s Bank China proposed Internet access mode on a pilot basis. This paper takes Jilin province＇ s practices as an example, analyzes the problems to be solved during the access mode conversion, and makes relevant policy recommendations.